It’s easy to lose track of pensions, especially if you’ve changed jobs several times over the years. You may have multiple pension pots with different providers — each with its own fees, investment strategy, and performance. Left unmanaged, these scattered pensions can make it hard to know what you actually have, what it’s costing you, and whether you're on course for the retirement you want.

Our pension consolidation service is designed to give you clarity and control by bringing everything together where it makes sense.

Here’s how we help:

1. Pension Discovery

We start by helping you tracking down all of your existing pensions. Whether you have statements or not, we use tracing tools to find lost or forgotten plans and confirm the provider, value, and type of each one.

2. Analysis of Charges and Performance

Once we know what you have, we look at the charges, performance, and investment risk of each pension. Some older plans may carry high annual fees or underperforming funds, which could erode your savings over time.

3. Assessing Features and Guarantees

Not all pensions are created equal. We carefully check whether any of your pots come with valuable benefits — such as guaranteed annuity rates, protected tax-free cash, or early access rights — which could be lost if you move them. We’ll flag these and explain your options clearly.

4. Consolidation Recommendations

If it’s in your best interest, we’ll recommend consolidating your pensions into one modern plan that’s easier to manage, more cost-effective, and better aligned with your retirement goals. If consolidation isn’t the right choice, we’ll tell you that too.

5. Implementation and Setup

Should you decide to proceed, we’ll handle all the paperwork, transfers, and setup. You’ll get a clear overview of where everything is held and a plan for moving forward — with access to ongoing reviews if you choose.

Consolidation can:

• Reduce paperwork and admin

• Cut down on fees

• Align all your pensions to one investment strategy

• Give you one login and one value to monitor

• Help you feel more in control of your retirement

But it’s not a one-size-fits-all solution. That’s why our advice is tailored, thorough, and based on a full understanding of your situation.